Ready-made portfolios

If you are new to investing or want an expertly managed portfolio, you may like to consider one of five ready-made managed portfolio options. Each is professionally managed to save you time researching, purchasing and monitoring your investments.

Why choose a Ready-made portfolio?

Expertly selected

Diversified assets

A Ready-made portfolio gives you a diversified investment portfolio in one investment.

24/7 access

View your portfolio anytime from your mobile, tablet or desktop.

Comprehensive reporting

We provide a consolidated tax statement for your investments to make tax time simpler. Plus real-time online reporting so you can track performance across your portfolio.

How can I invest?

Choose one of five ready-made BT Invest managed portfolios. There are five diversified portfolios that are aligned to acknowledged wealth industry profiles covering most stages of your wealth journey (i.e. Conservative, Moderate, Balanced, Growth and High Growth). You choose the portfolio and we’ll do the rest.

Fees

The total fees and charges payable by you will include the fees for the BT Invest service as well as any fees and costs of the available investments chosen by you. It is important to understand the fees and costs of any available investment you choose, and that those fees and costs will be in addition to the fees charged for BT Invest.

The amount you pay for specific investments is generally shown in the relevant product disclosure statement or other disclosure documents for each available investment.

The Ready-made option allow you to start by selecting one of the diversified managed portfolios, which are designed to align to acknowledged wealth industry investor profiles covering most wealth journey stages (i.e. Conservative, Moderate, Balanced, Growth and High Growth).

Managed portfolio options are a portfolio of assets made up from managed funds and/or shares (which may include exchange traded funds). They are monitored by an appointed investment adviser to ensure the right investments in the right proportions are in place.

Each managed portfolio option has target percentage allocation in each asset, which the investment adviser sets (within minimum and maximum ranges).

Investments in BT Managed Portfolios are aligned as closely as possible to reflect the targets of your selected managed portfolio option by buying and selling the assets – this process is called "rebalancing".

Investment reporting

You will receive comprehensive consolidated reporting on your investment. We will provide you with annual reporting within three months of the end of each financial year end. You can also access up-to-date investment information online.

Tax reporting

You will receive information regarding your annual tax position for your investments after the end of the financial year (once we have the necessary information from third parties). You will receive an email when these are available online.

If starting with the Ready-made option:

If you start investing choosing the Ready-made option, then “auto-invest” is enabled. This means you can move money in online, using Direct Debit or Regular Contributions (from your nominated linked account), BPAY®, Electronic Funds Transfer (Direct Credit) and cheques. You can also move money out online using Direct Credit to your nominated linked account.

Don’t forget that you need to keep a minimum amount of $100 in BT Cash Management Account and $900 in BT Managed Portfolios. If you want to fully withdraw or close your account you will need to call us to help arrange that for you.

If you don't have auto-invest enabled:

If you choose to start investing without using the Ready-made option (so without “auto-invest” enabled) you can choose how you’d like to move money to/from your BT Cash Management Account, either to invest or transfer out. You can move money in using Direct Debit or Regular Contributions (from your nominated linked account), BPAY®, Electronic Funds Transfer (Direct Credit) and cheques. You can move money out using BPAY® or via Direct Credit to yours’ or others’ external bank accounts.

Don’t forget to keep a minimum amount of $100 in BT Cash Management Account and any minimum holdings in your investments (more information on investment minimums is available in the Help section). If you want to fully withdraw or close your account you will need to call us to help arrange that.

Investment risk: The value of your investments held through BT Invest may be influenced by movements in global and domestic market exchanges, international currencies and interest rates. Adverse movements could result in possible delays in repayment of withdrawal proceeds and loss of income and principal invested.

Investment specific risks: An investment in a managed portfolio option or managed fund which has exposure to an entity that is listed on a stock exchange may be affected by unexpected changes in that entity’s operations (due to quality of management, use of technology, etc.) or its business environment. Similarly, an investment in a managed portfolio managed fund option may be affected by unexpected changes in the fund’s operations or by changes in investment management personnel. (For more information see the 'Performance' section in 'Investing with BT Managed Portfolios')

Managed portfolio risks: The likely rate of return and the risk of losing money are different in respect of each managed portfolio option, as different strategies carry different levels of risk depending on the mix of assets. Each managed portfolio option therefore may or may not be appropriate for your individual circumstances. There is also risk associated with transaction timing. Generally the managed portfolio option you choose will not be rebalanced more frequently than once per business day. There is a risk that the responsible entity managing your portfolio may not be able to process rebalancing instructions from the investment manager immediately on receiving the instructions, leading to a potential divergence from the return on the investment manager's notional portfolio. This can occur for a variety of reasons, including illiquidity.

Term deposit risk: There are some specific risks to investing in term deposits: Term deposit interest rates are fixed for the term of the investment (until maturity), and as a result you are protected from any fall in interest rates for that term. However, you will also not benefit from interest rate rises that occur during the term. Early withdrawal of term deposits will generally result in a waiting period before the term deposit proceeds are paid to you. An interest rate adjustment may apply if you or we terminate the term deposit before maturity (including if you close your account).

Tax risk: The tax impact of your investments will depend on your personal circumstances. You should seek your own professional taxation advice in relation to your investment.

Changes in tax and other regulations: BT Invest has been designed based on the current regulatory environment. If those regulations change, the value of your investments may be adversely affected.

BT Invest operational risk: The risk that administration, computer and supporting systems may not always work as they should. The effective operation of BT Invest (that is powered by Panorama) depends on the integrity of our systems. However, there is a risk that these systems may not be available or operate effectively in certain circumstances. We take risk management seriously, and have procedures in place that are designed to reduce the risk of systems not working effectively and to respond promptly should problems arise. However, you should be aware that not all of these risks can be foreseen.

This summary sets out the general risks associated with BT Invest and investments accessed through BT Invest. It is not an exhaustive list of all the risks of investing. You should refer to the BT Invest Investor Guide and the disclosure documents for the specific investments available through BT Invest (including the PDS for BT Cash Management Account and BT Managed Portfolios) to better understand the risks of investing. These disclosure documents, can be found here.

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Things you should know

*Retail Funds Under Administration as at June 2015 for the BT Financial Group (BT), (Source: Plan for Life).

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates BT Invest. Throughout this website, BTPS is referred to as 'the Administrator', 'us' or 'we'. BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the responsible entity and issuer of interests in BT Cash and Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 is the responsible entity and issuer of interests in BT Managed Portfolios (the Panorama products). Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Invest Cash Management Account (BT CMA). Together, these products are referred to as the BT Invest products. A Product Disclosure Statement or other disclosure document (PDS) for the BT Invest products can be obtained by contacting BT on 1300 881 716 or by clicking here. You should obtain and consider the disclosure documents before deciding whether to acquire, continue to hold or dispose of interests in the BT Invest products. Unless otherwise stated, capitalised terms used in this website have the meaning given in the BT Invest Investor Guide. Any tax position described in this website is a general statement and for guidance only; it does not constitute tax advice and is based on current tax laws and our interpretation. You should seek independent professional tax advice.

BTPS, BTFM and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities or the BT CMA acquired through the BT Invest products, an investment in, or acquired using, the BT Invest products is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investments in, or acquired through, the BT Invest products.

The information shown on this site is general information only, it does not constitute any recommendation or advice; it has been prepared without taking into account your personal objectives, financial situation or needs and you should consider its appropriateness with regard to these factors before acting on it. Any taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice. You should also consider obtaining personalised advice from a professional financial adviser before making any financial decisions in relation to the matters discussed hereto.